Total Assets
$368M
Total balance-sheet footings
FDIC Cert #29170 · Carteret, New Jersey · Est. 1914
United Roosevelt Savings Bank - FDIC Bank Health Profile
A community-scale look at United Roosevelt Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $368M
- Total assets
- C
- Health grade · Fair
- 0.24%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
United Roosevelt Savings Bank earns a PlainBankData health grade of C (59/100), with well-capitalized at 10.64% Tier 1, 0.24% ROA, 78% efficiency ratio.
- #2,206
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 10.64%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How United Roosevelt Savings Bank's 59/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Roosevelt Savings Bank's composite health score
Tier 1 Capital Ratio (10.64%) 28/40
Return on Assets (ROA) (0.24%) 7/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (77.85%) 4/15
59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$292M
Customer-funded liabilities
Net Loans
$300M
Outstanding loan book
Net Income
$807K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Roosevelt Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Roosevelt Savings Bank's score of 59/100 falls in the highlighted band.
United Roosevelt Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Roosevelt Savings Bank's $368M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.64%
Texas Ratio
0.43%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.24%
Return on Equity (ROE)
3.26%
Efficiency Ratio
77.85%
What the numbers say about United Roosevelt Savings Bank
United Roosevelt Savings Bank is an FDIC-insured institution (Certificate #29170) headquartered in Carteret, New Jersey, established in 1914. It holds $368M in total assets - 2,206th of 4,313 FDIC-insured banks, $292M in customer deposits, and $300M in net loans. On safety, its Tier 1 capital ratio of 10.64% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.43% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (59/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Jersey, United Roosevelt Savings Bank ranks 41st of 51 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$334K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Roosevelt Savings Bank reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Roosevelt Savings Bank (FDIC Cert #29170) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is United Roosevelt Savings Bank's health grade?▼
United Roosevelt Savings Bank receives a health grade of C (59/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is United Roosevelt Savings Bank?▼
United Roosevelt Savings Bank holds $368M in total assets and $292M in deposits, ranking 2,206th of 4,313 FDIC-insured banks by asset size. It is headquartered in Carteret, New Jersey.
Is my money safe at United Roosevelt Savings Bank?▼
Yes, deposits at United Roosevelt Savings Bank (Certificate #29170) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Roosevelt Savings Bank's Tier 1 Capital Ratio?▼
United Roosevelt Savings Bank has a Tier 1 Capital Ratio of 10.64%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Roosevelt Savings Bank?▼
United Roosevelt Savings Bank has a Texas Ratio of 0.43%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Roosevelt Savings Bank?▼
United Roosevelt Savings Bank has an Efficiency Ratio of 77.85%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Roosevelt Savings Bank's profile as a depositor or analyst.
- United Roosevelt Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Roosevelt Savings Bank against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.